Arkansas, Arizona, Colorado, Florida, Georgia, Indiana, Kansas, Kentucky, Maryland, Michigan, Missouri, Nevada, Ohio (Resident State), Oregon, Pennsylvania, Tennessee, Texas & Virginia.
Why Medicare Supplements?
When can I change my Medicare Supplement plan?
You can shop Medicare Supplement plans anytime. However, outside the initial 6-month Medicare supplement open enrollment window (Part B effective date), you will be asked medical questions and may not qualify (see top Medicare supplement decline video below). Unfortunately, some people could be with one plan for life depending on health. Therefore, it's important to pick the right plan and not the cheapest.
Why Change Medicare Supplement Plans?
You will see increases in premiums as you age. I have saved people a lot of money by swithching plans after a few years due to choosing a carrier that had large rate increases. Who should get a quote or consider switching?
Annual Election Period (10/15-12/7)
Medicare supplements do not have an annual election period like Medicare Advantage and Prescription Drug plans. If you're happy with your plan and premium, you don't need to do anything. However, if you want to drop your Medigap plan and enroll in a Medicare Advantage plan, this is your window. Just remember, you may never be eligible for another Medigap plan again.
If you have a Medigap plan, you likely have a stand-alone prescription drug plan. You can change prescription plans this time of the year. It's always a good idea to shop plans, especially if any prescriptions have changed.
Medicare Supplement Plan G, N or High Deductible G (HDG)?
Medicare Supplement Plans G & N are the two most popular plans. High Deductible G is the best kept secret that you may have never heard about. See video right below.
Plan G vs Plan High Deductible G (HDG) and how a 6% annual rate increase over 16 years could effect you.
Learn how you can save $26,493 in premium over 16 years with plan HDG. Like what you see? I have an entire section below on HDG.
Why I don't really like calling it a High Deductible, it's more of a cost share.
You are likely coming off an Obamacare or Group Health Plan and you had a high deductible. This high deductible is significantly different and better than what you had with your inidividual or group plan.
Top Medicare Supplement Declines
Learn when you can get a Medicare Supplement outside of your Initial Medicare Supplement election and why you may be declined.
Medicare Supplements & Pre-Existing Conditions
In the majority of situations, you will not have to worry about Preexisting conditions. However, if you have a lapse in coverage of 63+ days, they may apply. We address this common concern and how they apply to Medicare Supplements.
Plan HDG + Hospital Indemnity
A great solution if you love the idea of HDG, but want to buffer some of the deductible with a supplemental hospital and cancer insurance plan. Depending how it's tailored, your all in cost will likely be lower than Plan N and definitely lower than G when you paired with HDG. Everyone should have a Hospital & Cancer plan if you're stuck with Medicare Advantage plans. I have guaranteed issue Hospital plans (not Cancer).
Dental Insurance or Discount Plan (not insurance)?
We have individual and family dental & vision plans. Learn about the differences between these plans in this video. Get a quote in seconds by visiting my dental insurance and discount website.
Who is this plan ideal for?
Who is it not ideal for?
G, N & HDG Medigap plans are all excellent choices and will serve you well. However, Medigap plan HDG is not mentioned to many because it's the lowest cost plan. It's actually the plan that would make Insurance Agents the lowest commission of any plan available.
It's quite simple, you pay Original Medicare on Parts A & B until you reach $2490. Medicare negotiates rates well and reaching the deductible is difficult. If you are a healthy minded individual that likes to keep money in your pocket verse the insurance company, it makes a great choice.
If you need help with a Prescription Drug Plan, please click on this link and be on the lookout for a Needs Assement email to follow from Christopher Ruhm.
We do not offer every single plan available in your area. However, I can show you every Medicare Supplement and Prescription drug carriers rate in all states. Any information I provide is limited to those plans we do offer in your area. Please cont
Self Service Dental & Vision Options (Click on any of the links for instant quote, apply & enroll options)
Physicians Mutual (Dental & Vision) 4 Things: Unlimited Coverage (no annual maximum), No Deductible, 70% Major Service Coverage (one year waiting period) and Choose Any Dentist (Ameritas Network for best rates).
Other Solid Options:
Allstate (Dental & Vision) - Variety of Plans
Ameritas Primestar (Dental & Vision) - Big Network & Solid Plans
Delta Dental of Arizona - Great Network & Plans in AZ only.
Delta Dental of Ohio, Michigan & Indiana - Great Network, plans are lacking in my opinion.
Delta Care Plus Group (Dentaquest) Ohio, Kentucky & Indiana (Vision Discount Plan Included) - Great Network, please fill out the form due to quoting inacurracies if you're older than 55.
Humana (Dental & Vision) - Solid PPO plans.
Metlife (Dental & Vision) - A $10,000 annual benefit option.
Nationwide (Dental & Vision) - National recognition, solid plans
Spirit Dental (Ameritas Network), Big network and a solid variety of plans. No Vision option, but can be purchased on it's own with most plans above.
I began my insurance career in 2000 and have helped 100's of people with Medicare solutions since 2008. I'm an independent agent that quickly learned being limited to one carrier was not in the best interest to my clients. I have quoting access to every carrier available in your market. I determine the best plan based off your needs.
I have built solid relationships with Financial Planners, CPA's, Property & Casualty Agents and Human Resource Managers to name a few. Being specific in your field allows you to cultivate strong relationships with your clients and referral partners. I am licensed in 14 states and appointed with many insurance carriers to help protect your assets in retirement.
While this site is dedicated to Medicare Supplements, I do offer a variety of additional offerings.
Health, Dental, Life, Long-Term-Care, Disability & Annuities.
I am located in Cincinnati, Ohio. Ohio License 1136489 & National Producer Number 3772700. Book an appointment here.
This is a proprietary website and it's not, associated, endorsed or authorized by the Social Security Administration, the Center for Medicare and Medicaid Services, the Department of Health & Human Services or any State Departments of Insurance. I am not connected with the Federal Medicare Program.
Never cancel your current policy until your new policy is effective. Any changes to your health prior to coverage taking place needs to be reported to the insurance company, which may result in a policy not being issued.
The insurance company compensates me by helping you find a plan. Most importantly, I will never sell a policy based off an incentive or higher commission. I am a one person agency, you always get me when you call, text or email. I will not sell, solicit or share your information with any outside sources other than what may be involved with applying for coverage with a carrier and their privacy practices.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. My Medicare Supplement quoting tool can show every carrier offering Medicare Supplements at your request.
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